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 Wysłany: Nie 21:09, 16 Sty 2011 Temat postu: Analysis of Asymmetric Information and Bank Credit |
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Analysis of Asymmetric Information and Bank Credit Risk
Part of effective asset, is key to creating clear benefits received. Ning Guonong line since early 2002, the organization received clearance officers in the city supply system, a comprehensive survey of enterprises, through investigation and analysis, urban area, there are native only to the company, Yangcheng two companies have certain assets; suburbs of Supply and Marketing Company most of the still, clear conditions for better income; primary supply and marketing cooperative most of the dead, few assets, low value, but all the companies received clearance to avoid people in general. To this end, the Bank first, and concentrate manpower, go hand in hand, full flowering of the Qing collection programs; Second, income measures in determining the clear, according to the different circumstances of each company, received clearance to an agreement, according to clear income, to settle their debts, foreclosed properties back to purchase, announcements and other ways to dispose of assets; third is to take some time to clear focus on revenue-based collection, supplemented with the usual clear way to clear income. How do effective assets clean living Received Master I catch one clear incentives and penalties received. Supply and marketing business in Yangcheng Ningguo 302 company employees, business is real estate rental, personnel dissolved the bank loans outstanding documentary and interest 8.05 million yuan, over the years are not deposits, not loans, no interest, no dealings with the bank . July 2002,christian louboutin pas cher, the Bank 一纸诉状将 pushing him into the court, the court seized all their rent, their living off the source. And organized the company with a line of retired workers to take me downtown, the city government and city leaders have come forward Gongxiaolianshe intercede for our bank to withstand pressure, adhere to the principle of clear income, but taking into account the actual situation, agreed to mediation and, ultimately, under the mediation of the court, reached a mediated agreement, Yangcheng l5 million in cash to return the company to come up the bank loan principal and interest, while keeping its rental housing, real estate most of the mortgaged to the bank, and land in Ningguo , Real Estate Board for the legal registration. Turn in 2003 as part of their rent for 5 million,ugg italia, the bank returned the loan. Second, the time to do construction clean collection coincidence. Ningguo City Commercial Bank loan owed me ll0 million, without limitation, business is nothing, the loan may be the reason of the Qing collection are: the legal representative of the original oral Ren Zhang. I clear the line staff received several home, business legal representative is not signed, a clear revenue officer, we have repeatedly come to clear the loan, please give me the line out of business a certificate to prove who is indeed clear close the loan for the clear to the enterprises, the legal representative of the Agricultural Bank loans owed to the fact that, in the name of the enterprise proposed to write a proof that the loan received clearance work significantly advanced a step forward. In early 2004, the Bank president in charge of pay received clearance led, but also to the company, please enterprise loan funds,timberland portugal, sued the law otherwise, the enterprise legal representative of a certificate by the first, of fear, immediately invited the original Fujing Li and accounting and other business management consultation, agreed to return the individual raising the bank loan, at this time. Ching received formal loan collection staff out of its signed notice, please, the establishment of an effective time. May the same year, the bank person to the court for payment of Ningguo order to this, the company line to me l5 million in cash to pay debt service. How clear is the means of three flexible income. Supply and marketing cooperatives located in the township Ningguo Hu music. I owed 83 million bank loan, without limitation, a small amount of assets, clearing the key to closing the loan disposal of assets. Legal representative with the company after the deliberations, decided that I think of the dead letter Xiao prison. Bai People's Bank loans take advantage of registration to establish good and lasting relationship. Bank and corporate money. (3) to strengthen communication with the industry to jointly prevent the information is not consultation system to monitor lending practices of all borrowers, the credit industry as an important node in the chain, only interdependence said. The industry should be established between the smooth communication channels to prevent inter-bank borrowers use the existence of poor transmission of information, mutual benefit and to consolidate their long-term benefits, way, to achieve customer credit rating and other information resources sharing, defect, through the multi-borrower pledge to achieve recycling and recycling banks should be through the provision of financial services to help customers prevent and reduce the tendency of a serious moral hazard of bad loans. Closely monitor business conditions, the material debt restructuring loans, financing, planning, solving actual customers using the bank asked customers to business competition and repeat loan guarantees, etc., to detect poor quality of credit assets transfer difficulties and improve relations with the enterprises,moncler milano, and improving Repayment of bank funds, or long fraud occurrence. Meanwhile,new balance outlet, the signs, and targeted to take effective measures. Initiative. (2) banks with different risk levels should be based on the implementation of bad customers \Fewer barriers created by information asymmetry. (1) The combination of bank and credit agreements between the conditions to encourage business schedule also (Author: Sun City ABC) ■ corpse \. . 0'-● '1 |
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